Our Services

Personal and Family Financial Planning

• I listen and work with my clients to craft a financial plan for what is important to their lives. It could be a goal for retirement, college funding, or buying a house.
• We first gather all pertinent financial information and input it into a very sophisticated financial planning software. This helps to draft a current picture of your financial health. Knowing what your annual expenses are helps to determine the cash flow needed for the future goal.
• We then do “what if” scenarios to see what future outcomes would look like.
• Then we set a plan for the next 12 months.
• We then review the plan at the end of the year, and every year after that.
• We update it when there is a financial event such as a baby born, or a death that creates an inheritance
• The financial plan is very beneficial to take to an Estate Attorney so you can get Wills and Trusts updated.

Investment Advisory Services

• If we have done a Financial Plan for you, we then look at all current liquid assets: 401k, IRA, investment accounts, etc, and see how they are currently invested.
• I assign them to your goals like retirement or buying a house
• I then see what amount will need to be added (saved) to reach your goal
• I will take your temperature to see how much tolerance you have for market swings and volatility
• I also will ask how long to meet your goal
• I will spend some time with my investment team to craft some investment ideas for you and then recommend a strategy for your portfolio for the next 12 months
• After 12 months, we will sit down together to look at how your portfolio performed, at which we can consider making any updates or changes
• I will ask that you let me know if there is any financial event that I need to know about such as a new job, new child, grandchild, etc.

Personal and Business Insurance Solutions

• I will ask to see if you have any current insurance: life, disability, long-term care, annuities for your personal or the business that you own or work at.
• I will look to see if you are financially exposed and could be at risk of not having enough money for your family or business to live on now or in the future.
• I will work with my insurance team to craft a solution or solutions to protect you, your family, and your business from any shortfall in monies.
• If needed, we can work on a plan to add more protection each year.

Business Advisory Solutions

• If you own or run a business, I will review your current business retirement and insurance programs
• I will consult with my investment and insurance teams to come up with solutions to mitigate financial risk and improve retirement programs
• I could look at Cash Balance Plans or 401k plans to boost retirement programs for you and your staff.
• I will look at life insurance for key employees or partners.

I would recommend that we work with your CPA and attorney to improve your business with solid, common sense financial solutions.